Pandas Profiling Report

Dataset statistics

Number of variables	19
Number of observations	1025010
Missing cells	4912237
Missing cells (%)	25.2%
Duplicate rows	0
Duplicate rows (%)	0.0%
Total size in memory	148.6 MiB
Average record size in memory	152.0 B

Variable types

DateTime	1
Categorical	14
Boolean	2
Numeric	1
Unsupported	1

Alerts

`Sub-product` has a high cardinality: 75 distinct values	High cardinality
`Issue` has a high cardinality: 166 distinct values	High cardinality
`Sub-issue` has a high cardinality: 218 distinct values	High cardinality
`Consumer Complaint` has a high cardinality: 268391 distinct values	High cardinality
`Company` has a high cardinality: 4780 distinct values	High cardinality
`State` has a high cardinality: 63 distinct values	High cardinality
`ZIP code` has a high cardinality: 28944 distinct values	High cardinality
`Date Sent to Company` has a high cardinality: 2292 distinct values	High cardinality
`Product` is highly overall correlated with `Sub-product`	High correlation
`Sub-product` is highly overall correlated with `Product`	High correlation
`Consumer consent provided?` is highly overall correlated with `Submitted via`	High correlation
`Submitted via` is highly overall correlated with `Consumer consent provided?`	High correlation
`Company Public Response` is highly imbalanced (50.1%)	Imbalance
`Company Response to Consumer` is highly imbalanced (58.9%)	Imbalance
`Timely response?` is highly imbalanced (82.0%)	Imbalance
`Sub-product` has 235170 (22.9%) missing values	Missing
`Sub-issue` has 496157 (48.4%) missing values	Missing
`Consumer Complaint` has 747196 (72.9%) missing values	Missing
`Company Public Response` has 706646 (68.9%) missing values	Missing
`State` has 12360 (1.2%) missing values	Missing
`ZIP code` has 16718 (1.6%) missing values	Missing
`Tags` has 883422 (86.2%) missing values	Missing
`Consumer consent provided?` has 533099 (52.0%) missing values	Missing
`Consumer disputed?` has 256456 (25.0%) missing values	Missing
`Unnamed: 18` has 1025010 (100.0%) missing values	Missing
`Complaint ID` has unique values	Unique
`Unnamed: 18` is an unsupported type, check if it needs cleaning or further analysis	Unsupported

Reproduction

Analysis started	2023-02-01 03:14:53.867795
Analysis finished	2023-02-01 03:19:19.729165
Duration	4 minutes and 25.86 seconds
Software version	pandas-profiling v0.0.dev0
Download configuration	config.json

Date received
Date

Distinct	2343
Distinct (%)	0.2%
Missing	0
Missing (%)	0.0%
Memory size	7.8 MiB

Minimum	2011-12-01 00:00:00
Maximum	2018-05-01 00:00:00

Histogram

Histogram with fixed size bins (bins=50)

Product
Categorical

Distinct	18
Distinct (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	7.8 MiB

Mortgage	254165
Debt collection	196212
Credit reporting	140433
Credit reporting, credit repair services, or other personal consumer reports	110756
Credit card	89191
Other values (13)	234253

Length

Max length	76
Median length	41
Mean length	20.937055
Min length	8

Characters and Unicode

Total characters	21460691
Distinct characters	32
Distinct categories	4 ?
Distinct scripts	2 ?
Distinct blocks	1 ?

The Unicode Standard assigns character properties to each code point, which can be used to analyse textual variables.

Unique

Unique	0 ?
Unique (%)	0.0%

Sample

1st row	Mortgage
2nd row	Credit reporting
3rd row	Consumer Loan
4th row	Credit card
5th row	Debt collection

Common Values

Value	Count	Frequency (%)
Mortgage	254165	24.8%
Debt collection	196212	19.1%
Credit reporting	140433	13.7%
Credit reporting, credit repair services, or other personal consumer reports	110756	10.8%
Credit card	89191	8.7%
Bank account or service	86206	8.4%
Student loan	42969	4.2%
Consumer Loan	31606	3.1%
Credit card or prepaid card	22913	2.2%
Checking or savings account	18982	1.9%
Other values (8)	31577	3.1%

Length

Histogram of lengths of the category

Value	Count	Frequency (%)
credit	474049	15.7%
or	254637	8.4%
mortgage	254165	8.4%
reporting	251189	8.3%
debt	196212	6.5%
collection	196212	6.5%
consumer	142362	4.7%
card	138836	4.6%
personal	115123	3.8%
other	111816	3.7%
Other values (21)	889493	29.4%

Most occurring characters

Value	Count	Frequency (%)
r	2706616	12.6%
e	2519682	11.7%
	1999084	9.3%
o	1852374	8.6%
t	1811201	8.4%
i	1318627	6.1%
c	1204231	5.6%
n	1112049	5.2%
a	999354	4.7%
g	797483	3.7%
Other values (22)	5139990	24.0%

Most occurring categories

Value	Count	Frequency (%)
Lowercase Letter	18163175	84.6%
Space Separator	1999084	9.3%
Uppercase Letter	1056616	4.9%
Other Punctuation	241816	1.1%

Most frequent character per category

Lowercase Letter

Value	Count	Frequency (%)
r	2706616	14.9%
e	2519682	13.9%
o	1852374	10.2%
t	1811201	10.0%
i	1318627	7.3%
c	1204231	6.6%
n	1112049	6.1%
a	999354	5.5%
g	797483	4.4%
s	742889	4.1%
Other values (11)	3098669	17.1%

Uppercase Letter

Value	Count	Frequency (%)
C	413881	39.2%
M	265304	25.1%
D	196212	18.6%
B	86206	8.2%
S	42969	4.1%
L	31606	3.0%
P	13732	1.3%
V	5646	0.5%
O	1060	0.1%

Space Separator

Value	Count	Frequency (%)
	1999084	100.0%

Other Punctuation

Value	Count	Frequency (%)
,	241816	100.0%

Most occurring scripts

Value	Count	Frequency (%)
Latin	19219791	89.6%
Common	2240900	10.4%

Most frequent character per script

Latin

Value	Count	Frequency (%)
r	2706616	14.1%
e	2519682	13.1%
o	1852374	9.6%
t	1811201	9.4%
i	1318627	6.9%
c	1204231	6.3%
n	1112049	5.8%
a	999354	5.2%
g	797483	4.1%
s	742889	3.9%
Other values (20)	4155285	21.6%

Common

Value	Count	Frequency (%)
	1999084	89.2%
,	241816	10.8%

Most occurring blocks

Value	Count	Frequency (%)
ASCII	21460691	100.0%

Most frequent character per block

ASCII

Value	Count	Frequency (%)
r	2706616	12.6%
e	2519682	11.7%
	1999084	9.3%
o	1852374	8.6%
t	1811201	8.4%
i	1318627	6.1%
c	1204231	5.6%
n	1112049	5.2%
a	999354	4.7%
g	797483	3.7%
Other values (22)	5139990	24.0%

Sub-product
Categorical

HIGH CARDINALITY HIGH CORRELATION MISSING

Distinct	75
Distinct (%)	< 0.1%
Missing	235170
Missing (%)	22.9%
Memory size	7.8 MiB

Credit reporting	108469
Other mortgage	86636
Checking account	73186
Conventional fixed mortgage	70616
Other (i.e. phone, health club, etc.)	44561
Other values (70)	406372

Length

Max length	42
Median length	35
Mean length	19.676088
Min length	4

Characters and Unicode

Total characters	15540961
Distinct characters	53
Distinct categories	8 ?
Distinct scripts	2 ?
Distinct blocks	2 ?

The Unicode Standard assigns character properties to each code point, which can be used to analyse textual variables.

Unique

Unique	0 ?
Unique (%)	0.0%

Sample

1st row	Other mortgage
2nd row	Vehicle loan
3rd row	Credit card
4th row	Conventional adjustable mortgage (ARM)
5th row	Medical

Common Values

Value	Count	Frequency (%)
Credit reporting	108469	10.6%
Other mortgage	86636	8.5%
Checking account	73186	7.1%
Conventional fixed mortgage	70616	6.9%
Other (i.e. phone, health club, etc.)	44561	4.3%
I do not know	39828	3.9%
Credit card	28700	2.8%
FHA mortgage	28255	2.8%
Conventional adjustable mortgage (ARM)	25381	2.5%
Non-federal student loan	25166	2.5%
Other values (65)	259042	25.3%
(Missing)	235170	22.9%

Length

Histogram of lengths of the category

Value	Count	Frequency (%)
mortgage	246831	11.0%
credit	184812	8.3%
other	175929	7.9%
conventional	110860	4.9%
reporting	108469	4.8%
loan	108236	4.8%
card	81962	3.7%
account	80304	3.6%
checking	73186	3.3%
fixed	70616	3.2%
Other values (93)	998426	44.6%

Most occurring characters

Value	Count	Frequency (%)
e	1721330	11.1%
	1449791	9.3%
t	1321353	8.5%
r	1160037	7.5%
o	1127744	7.3%
n	1048287	6.7%
a	938073	6.0%
i	772549	5.0%
g	721499	4.6%
d	606042	3.9%
Other values (43)	4674256	30.1%

Most occurring categories

Value	Count	Frequency (%)
Lowercase Letter	12691192	81.7%
Space Separator	1449791	9.3%
Uppercase Letter	955332	6.1%
Other Punctuation	240956	1.6%
Close Punctuation	79949	0.5%
Open Punctuation	79949	0.5%
Dash Punctuation	43616	0.3%
Final Punctuation	176	< 0.1%

Most frequent character per category

Lowercase Letter

Value	Count	Frequency (%)
e	1721330	13.6%
t	1321353	10.4%
r	1160037	9.1%
o	1127744	8.9%
n	1048287	8.3%
a	938073	7.4%
i	772549	6.1%
g	721499	5.7%
d	606042	4.8%
c	587627	4.6%
Other values (15)	2686651	21.2%

Uppercase Letter

Value	Count	Frequency (%)
C	341840	35.8%
O	177780	18.6%
A	65283	6.8%
M	62870	6.6%
I	54157	5.7%
F	48432	5.1%
H	43582	4.6%
V	28498	3.0%
R	27996	2.9%
N	25166	2.6%
Other values (9)	79728	8.3%

Other Punctuation

Value	Count	Frequency (%)
.	133683	55.5%
,	89122	37.0%
/	17925	7.4%
'	226	0.1%

Space Separator

Value	Count	Frequency (%)
	1449791	100.0%

Close Punctuation

Value	Count	Frequency (%)
)	79949	100.0%

Open Punctuation

Value	Count	Frequency (%)
(	79949	100.0%

Dash Punctuation

Value	Count	Frequency (%)
-	43616	100.0%

Final Punctuation

Value	Count	Frequency (%)
’	176	100.0%

Most occurring scripts

Value	Count	Frequency (%)
Latin	13646524	87.8%
Common	1894437	12.2%

Most frequent character per script

Latin

Value	Count	Frequency (%)
e	1721330	12.6%
t	1321353	9.7%
r	1160037	8.5%
o	1127744	8.3%
n	1048287	7.7%
a	938073	6.9%
i	772549	5.7%
g	721499	5.3%
d	606042	4.4%
c	587627	4.3%
Other values (34)	3641983	26.7%

Common

Value	Count	Frequency (%)
	1449791	76.5%
.	133683	7.1%
,	89122	4.7%
)	79949	4.2%
(	79949	4.2%
-	43616	2.3%
/	17925	0.9%
'	226	< 0.1%
’	176	< 0.1%

Most occurring blocks

Value	Count	Frequency (%)
ASCII	15540785	> 99.9%
Punctuation	176	< 0.1%

Most frequent character per block

ASCII

Value	Count	Frequency (%)
e	1721330	11.1%
	1449791	9.3%
t	1321353	8.5%
r	1160037	7.5%
o	1127744	7.3%
n	1048287	6.7%
a	938073	6.0%
i	772549	5.0%
g	721499	4.6%
d	606042	3.9%
Other values (42)	4674080	30.1%

Punctuation

Value	Count	Frequency (%)
’	176	100.0%

Issue
Categorical

Distinct	166
Distinct (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	7.8 MiB

Loan modification,collection,foreclosure	112314
Incorrect information on credit report	102687
Loan servicing, payments, escrow account	77337
Incorrect information on your report	60891
Cont'd attempts collect debt not owed	60703
Other values (161)	611078

Length

Max length	80
Median length	60
Mean length	34.483481
Min length	4

Characters and Unicode

Total characters	35345913
Distinct characters	49
Distinct categories	5 ?
Distinct scripts	2 ?
Distinct blocks	1 ?

The Unicode Standard assigns character properties to each code point, which can be used to analyse textual variables.

Unique

Unique	1 ?
Unique (%)	< 0.1%

Sample

1st row	Loan modification,collection,foreclosure
2nd row	Incorrect information on credit report
3rd row	Managing the loan or lease
4th row	Bankruptcy
5th row	Communication tactics

Common Values

Value	Count	Frequency (%)
Loan modification,collection,foreclosure	112314	11.0%
Incorrect information on credit report	102687	10.0%
Loan servicing, payments, escrow account	77337	7.5%
Incorrect information on your report	60891	5.9%
Cont'd attempts collect debt not owed	60703	5.9%
Account opening, closing, or management	37961	3.7%
Disclosure verification of debt	30804	3.0%
Communication tactics	29772	2.9%
Problem with a credit reporting company's investigation into an existing problem	24400	2.4%
Deposits and withdrawals	22851	2.2%
Other values (156)	465290	45.4%

Length

Histogram of lengths of the category

Value	Count	Frequency (%)
loan	234841	5.1%
report	192758	4.2%
credit	192469	4.2%
or	172008	3.7%
on	170723	3.7%
information	164921	3.6%
incorrect	163618	3.5%
account	146976	3.2%
debt	128708	2.8%
modification,collection,foreclosure	112314	2.4%
Other values (234)	2950938	63.7%

Most occurring characters

Value	Count	Frequency (%)
o	3662301	10.4%
	3605264	10.2%
e	3015794	8.5%
t	3006506	8.5%
n	2910718	8.2%
r	2667822	7.5%
i	2418176	6.8%
c	2045811	5.8%
a	1814316	5.1%
s	1234995	3.5%
Other values (39)	8964210	25.4%

Most occurring categories

Value	Count	Frequency (%)
Lowercase Letter	29952111	84.7%
Space Separator	3605264	10.2%
Uppercase Letter	1094006	3.1%
Other Punctuation	694415	2.0%
Dash Punctuation	117	< 0.1%

Most frequent character per category

Lowercase Letter

Value	Count	Frequency (%)
o	3662301	12.2%
e	3015794	10.1%
t	3006506	10.0%
n	2910718	9.7%
r	2667822	8.9%
i	2418176	8.1%
c	2045811	6.8%
a	1814316	6.1%
s	1234995	4.1%
l	1059530	3.5%
Other values (15)	6116142	20.4%

Uppercase Letter

Value	Count	Frequency (%)
I	212528	19.4%
L	193639	17.7%
C	172721	15.8%
A	96692	8.8%
D	83945	7.7%
P	71272	6.5%
M	47425	4.3%
T	41029	3.8%
F	32951	3.0%
U	29227	2.7%
Other values (8)	112577	10.3%

Other Punctuation

Value	Count	Frequency (%)
,	508033	73.2%
'	117686	16.9%
/	67371	9.7%
.	1325	0.2%

Space Separator

Value	Count	Frequency (%)
	3605264	100.0%

Dash Punctuation

Value	Count	Frequency (%)
-	117	100.0%

Most occurring scripts

Value	Count	Frequency (%)
Latin	31046117	87.8%
Common	4299796	12.2%

Most frequent character per script

Latin

Value	Count	Frequency (%)
o	3662301	11.8%
e	3015794	9.7%
t	3006506	9.7%
n	2910718	9.4%
r	2667822	8.6%
i	2418176	7.8%
c	2045811	6.6%
a	1814316	5.8%
s	1234995	4.0%
l	1059530	3.4%
Other values (33)	7210148	23.2%

Common

Value	Count	Frequency (%)
	3605264	83.8%
,	508033	11.8%
'	117686	2.7%
/	67371	1.6%
.	1325	< 0.1%
-	117	< 0.1%

Most occurring blocks

Value	Count	Frequency (%)
ASCII	35345913	100.0%

Most frequent character per block

ASCII

Value	Count	Frequency (%)
o	3662301	10.4%
	3605264	10.2%
e	3015794	8.5%
t	3006506	8.5%
n	2910718	8.2%
r	2667822	7.5%
i	2418176	6.8%
c	2045811	5.8%
a	1814316	5.1%
s	1234995	3.5%
Other values (39)	8964210	25.4%

Sub-issue
Categorical

HIGH CARDINALITY MISSING

Distinct	218
Distinct (%)	< 0.1%
Missing	496157
Missing (%)	48.4%
Memory size	7.8 MiB

Account status	37057
Debt is not mine	36741
Information is not mine	32385
Not given enough info to verify debt	21818
Information belongs to someone else	21809
Other values (213)	379043

Length

Max length	85
Median length	68
Mean length	30.911734
Min length	11

Characters and Unicode

Total characters	16347763
Distinct characters	56
Distinct categories	6 ?
Distinct scripts	2 ?
Distinct blocks	1 ?

The Unicode Standard assigns character properties to each code point, which can be used to analyse textual variables.

Unique

Unique	2 ?
Unique (%)	< 0.1%

Sample

1st row	Account status
2nd row	Frequent or repeated calls
3rd row	Contacted employer after asked not to
4th row	Inadequate help over the phone
5th row	Not given enough info to verify debt

Common Values

Value	Count	Frequency (%)
Account status	37057	3.6%
Debt is not mine	36741	3.6%
Information is not mine	32385	3.2%
Not given enough info to verify debt	21818	2.1%
Information belongs to someone else	21809	2.1%
Debt was paid	21537	2.1%
Frequent or repeated calls	17677	1.7%
Their investigation did not fix an error on your report	17195	1.7%
Account status incorrect	13690	1.3%
Attempted to collect wrong amount	12619	1.2%
Other values (208)	296325	28.9%
(Missing)	496157	48.4%

Length

Histogram of lengths of the category

Value	Count	Frequency (%)
not	144610	5.5%
debt	123290	4.6%
information	106117	4.0%
to	105217	4.0%
is	84635	3.2%
account	81156	3.1%
mine	69126	2.6%
report	58382	2.2%
your	58003	2.2%
status	52571	2.0%
Other values (408)	1769292	66.7%

Most occurring characters

Value	Count	Frequency (%)
	2123546	13.0%
e	1587294	9.7%
t	1550817	9.5%
o	1453768	8.9%
n	1199320	7.3%
i	1042378	6.4%
r	1035813	6.3%
a	762615	4.7%
s	677960	4.1%
c	495737	3.0%
Other values (46)	4418515	27.0%

Most occurring categories

Value	Count	Frequency (%)
Lowercase Letter	13589861	83.1%
Space Separator	2123546	13.0%
Uppercase Letter	554809	3.4%
Other Punctuation	71272	0.4%
Decimal Number	6026	< 0.1%
Dash Punctuation	2249	< 0.1%

Most frequent character per category

Lowercase Letter

Value	Count	Frequency (%)
e	1587294	11.7%
t	1550817	11.4%
o	1453768	10.7%
n	1199320	8.8%
i	1042378	7.7%
r	1035813	7.6%
a	762615	5.6%
s	677960	5.0%
c	495737	3.6%
d	488925	3.6%
Other values (16)	3295234	24.2%

Uppercase Letter

Value	Count	Frequency (%)
D	106139	19.1%
A	92408	16.7%
I	68410	12.3%
P	58183	10.5%
C	56827	10.2%
T	47671	8.6%
R	39615	7.1%
N	32345	5.8%
F	20796	3.7%
O	8032	1.4%
Other values (11)	24383	4.4%

Decimal Number

Value	Count	Frequency (%)
3	1880	31.2%
0	1880	31.2%
8	1133	18.8%
9	1133	18.8%

Other Punctuation

Value	Count	Frequency (%)
'	48858	68.6%
/	17826	25.0%
,	4588	6.4%

Space Separator

Value	Count	Frequency (%)
	2123546	100.0%

Dash Punctuation

Value	Count	Frequency (%)
-	2249	100.0%

Most occurring scripts

Value	Count	Frequency (%)
Latin	14144670	86.5%
Common	2203093	13.5%

Most frequent character per script

Latin

Value	Count	Frequency (%)
e	1587294	11.2%
t	1550817	11.0%
o	1453768	10.3%
n	1199320	8.5%
i	1042378	7.4%
r	1035813	7.3%
a	762615	5.4%
s	677960	4.8%
c	495737	3.5%
d	488925	3.5%
Other values (37)	3850043	27.2%

Common

Value	Count	Frequency (%)
	2123546	96.4%
'	48858	2.2%
/	17826	0.8%
,	4588	0.2%
-	2249	0.1%
3	1880	0.1%
0	1880	0.1%
8	1133	0.1%
9	1133	0.1%

Most occurring blocks

Value	Count	Frequency (%)
ASCII	16347763	100.0%

Most frequent character per block

ASCII

Value	Count	Frequency (%)
	2123546	13.0%
e	1587294	9.7%
t	1550817	9.5%
o	1453768	8.9%
n	1199320	7.3%
i	1042378	6.4%
r	1035813	6.3%
a	762615	4.7%
s	677960	4.1%
c	495737	3.0%
Other values (46)	4418515	27.0%

Consumer Complaint
Categorical

HIGH CARDINALITY MISSING

Distinct	268391
Distinct (%)	96.6%
Missing	747196
Missing (%)	72.9%
Memory size	7.8 MiB

There are many mistakes appear in my report without my understanding.	495
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.	118
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.	103
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.	50
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!	49
Other values (268386)	276999

Length

Max length	31423
Median length	7540
Mean length	1071.1507
Min length	5

Characters and Unicode

Total characters	297580670
Distinct characters	112
Distinct categories	16 ?
Distinct scripts	2 ?
Distinct blocks	3 ?

The Unicode Standard assigns character properties to each code point, which can be used to analyse textual variables.

Unique

Unique	262683 ?
Unique (%)	94.6%

Sample

1st row	I have outdated information on my credit report that I have previously disputed that has yet to be removed this information is more then seven years old and does not meet credit reporting requirements
2nd row	I purchased a new car on XXXX XXXX. The car dealer called Citizens Bank to get a 10 day payoff on my loan, good till XXXX XXXX. The dealer sent the check the next day. When I balanced my checkbook on XXXX XXXX. I noticed that Citizens bank had taken the automatic payment out of my checking account at XXXX XXXX XXXX Bank. I called Citizens and they stated that they did not close the loan until XXXX XXXX. ( stating that they did not receive the check until XXXX. XXXX. ). I told them that I did not believe that the check took that long to arrive. XXXX told me a check was issued to me for the amount overpaid, they deducted additional interest. Today ( XXXX XXXX, ) I called Citizens Bank again and talked to a supervisor named XXXX, because on XXXX XXXX. I received a letter that the loan had been paid in full ( dated XXXX, XXXX ) but no refund check was included. XXXX stated that they hold any over payment for 10 business days after the loan was satisfied and that my check would be mailed out on Wed. the XX/XX/XXXX.. I questioned her about the delay in posting the dealer payment and she first stated that sometimes it takes 3 or 4 business days to post, then she said they did not receive the check till XXXX XXXX I again told her that I did not believe this and asked where is my money. She then stated that they hold the over payment for 10 business days. I asked her why, and she simply said that is their policy. I asked her if I would receive interest on my money and she stated no. I believe that Citizens bank is deliberately delaying the posting of payment and the return of consumer 's money to make additional interest for the bank. If this is not illegal it should be, it does hurt the consumer and is not ethical. My amount of money lost is minimal but if they are doing this on thousands of car loans a month, then the additional interest earned for them could be staggering. I still have another car loan from Citizens Bank and I am afraid when I trade that car in another year I will run into the same problem again.
3rd row	An account on my credit report has a mistaken date. I mailed in a debt validation letter to allow XXXX to correct the information. I received a letter in the mail, stating that Experian received my correspondence and found it to be " suspicious '' and that " I did n't write it ''. Experian 's letter is worded to imply that I am incapable of writing my own letter. I was deeply offended by this implication. I called Experian to figure out why my letter was so suspicious. I spoke to a representative who was incredibly unhelpful, She did not effectively answer any questions I asked of her, and she kept ignoring what I was saying regarding the offensive letter and my dispute process. I feel the representative did what she wanted to do, and I am not satisfied. It is STILL not clear to me why I received this letter. I typed this letter, I signed this letter, and I paid to mail this letter, yet Experian willfully disregarded my lawful request. I am disgusted with this entire situation, and I would like for my dispute to be handled appropriately, and I would like for an Experian representative to contact me and give me a real explanation for this letter.
4th row	This company refuses to provide me verification and validation of debt per my right under the FDCPA. I do not believe this debt is mine.
5th row	This complaint is in regards to Square Two Financial. Refer to CFPB case number XXXX regarding CACH, L. L. C. Square Two Financial has utilized my entire social security number to include date of birth on the pfd document listed with this complaint. The initial complaint was with CACH, L. L. C. and not Square Two Financial. This is in breach of the following : 1. Identity Theft Assumption and Deterrence Act of XXXX 2. Privacy Act of XXXX XXXX. Social Security XXXX 4. XXXX Privacy Act-which carries a maximum XXXX fine for each calendar cap year. 5. Breach of Title XXXX, XXXX XXXX XXXX XXXX under XXXX and XXXX The solution is to have CACH, L.L.C handle this correction and not Square Two Financial. Two Square Financial submitted the XXXX XXXX XXXX with their subscriber name on the form listed on CFPB case # XXXX they are rendered liable in this matter. In addition, there is an account number associated with this Universal Data Form and they could use that account number instead of a SSN and DOB which is against XXXX XXXX XXXX This is also includes removal of the XXXX XXXX Form off of CFPB case # XXXX listed as a pdf document attached to this case number. Square Two Financial was contacted at XXXXXXXXXXXX as of XXXX/XXXX/XXXX by e-mail in regards to this matter. In addition, all of my information is not for sale and distribution via fax, fax-scanned, copied, stored in a retrieval system, recorded, transmitted digitally or electronically without my expressed written consent. This information is protected under copyright and publishing laws of XXXX XXXX and XXXX XXXX. This information is protected under the XXXX XXXX XXXX XXXX XXXX under the freedom of speech under XXXX XXXX XXXX to include the Uniform Commercial Codes XXXX and XXXX. These rights are reserved world wide.

Common Values

Value	Count	Frequency (%)
There are many mistakes appear in my report without my understanding.	495	< 0.1%
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.	118	< 0.1%
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.	103	< 0.1%
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.	50	< 0.1%
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!	49	< 0.1%
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.	45	< 0.1%
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.	36	< 0.1%
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.	34	< 0.1%
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT!	28	< 0.1%
I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. Regards	27	< 0.1%
Other values (268381)	276829	27.0%
(Missing)	747196	72.9%

Length

Histogram of lengths of the category

Value	Count	Frequency (%)
xxxx	2433756	4.5%
the	2227719	4.1%
i	1991983	3.7%
to	1835505	3.4%
and	1457528	2.7%
	1108389	2.0%
my	1094649	2.0%
a	1074779	2.0%
of	878837	1.6%
that	850846	1.6%
Other values (156071)	39332926	72.5%

Most occurring characters

Value	Count	Frequency (%)
	54644282	18.4%
e	26580718	8.9%
t	21026721	7.1%
a	18084765	6.1%
o	15991705	5.4%
n	15559636	5.2%
i	13683389	4.6%
X	12663859	4.3%
r	12099290	4.1%
s	11362561	3.8%
Other values (102)	95883744	32.2%

Most occurring categories

Value	Count	Frequency (%)
Lowercase Letter	209363857	70.4%
Space Separator	54644385	18.4%
Uppercase Letter	23081068	7.8%
Other Punctuation	6168113	2.1%
Decimal Number	2399429	0.8%
Close Punctuation	489018	0.2%
Open Punctuation	473867	0.2%
Control	431214	0.1%
Currency Symbol	271579	0.1%
Dash Punctuation	208258	0.1%
Other values (6)	49882	< 0.1%

Most frequent character per category

Lowercase Letter

Value	Count	Frequency (%)
e	26580718	12.7%
t	21026721	10.0%
a	18084765	8.6%
o	15991705	7.6%
n	15559636	7.4%
i	13683389	6.5%
r	12099290	5.8%
s	11362561	5.4%
h	9788258	4.7%
d	9590564	4.6%
Other values (17)	55596250	26.6%

Uppercase Letter

Value	Count	Frequency (%)
X	12663859	54.9%
I	2447411	10.6%
T	1022894	4.4%
A	801679	3.5%
E	650304	2.8%
C	600196	2.6%
S	561734	2.4%
O	495524	2.1%
N	477136	2.1%
R	387862	1.7%
Other values (16)	2972469	12.9%

Other Punctuation

Value	Count	Frequency (%)
.	2912862	47.2%
,	1458788	23.7%
/	756218	12.3%
'	524720	8.5%
"	108647	1.8%
:	96619	1.6%
!	86647	1.4%
?	60374	1.0%
;	40249	0.7%
#	38288	0.6%
Other values (8)	84701	1.4%

Decimal Number

Value	Count	Frequency (%)
0	1144622	47.7%
1	322514	13.4%
2	254393	10.6%
5	144685	6.0%
3	137883	5.7%
6	116134	4.8%
4	86337	3.6%
7	81768	3.4%
8	55866	2.3%
9	55227	2.3%

Math Symbol

Value	Count	Frequency (%)
>	11571	32.3%
<	10620	29.6%
+	7860	21.9%
=	3889	10.8%
~	1108	3.1%
\|	805	2.2%

Control

Value	Count	Frequency (%)
	427284	99.1%
	3921	0.9%
	7	< 0.1%
	2	< 0.1%

Dash Punctuation

Value	Count	Frequency (%)
-	208234	> 99.9%
—	15	< 0.1%
–	8	< 0.1%
‐	1	< 0.1%

Close Punctuation

Value	Count	Frequency (%)
}	252372	51.6%
)	232186	47.5%
]	4460	0.9%

Open Punctuation

Value	Count	Frequency (%)
{	252306	53.2%
(	217164	45.8%
[	4397	0.9%

Space Separator

Value	Count	Frequency (%)
	54644282	> 99.9%
	103	< 0.1%

Modifier Symbol

Value	Count	Frequency (%)
`	475	96.9%
^	15	3.1%

Final Punctuation

Value	Count	Frequency (%)
’	171	69.0%
”	77	31.0%

Initial Punctuation

Value	Count	Frequency (%)
“	77	98.7%
‘	1	1.3%

Currency Symbol

Value	Count	Frequency (%)
$	271579	100.0%

Connector Punctuation

Value	Count	Frequency (%)
_	13212	100.0%

Other Number

Value	Count	Frequency (%)
½	1	100.0%

Most occurring scripts

Value	Count	Frequency (%)
Latin	232444925	78.1%
Common	65135745	21.9%

Most frequent character per script

Common

Value	Count	Frequency (%)
	54644282	83.9%
.	2912862	4.5%
,	1458788	2.2%
0	1144622	1.8%
/	756218	1.2%
'	524720	0.8%
	427284	0.7%
1	322514	0.5%
$	271579	0.4%
2	254393	0.4%
Other values (49)	2418483	3.7%

Latin

Value	Count	Frequency (%)
e	26580718	11.4%
t	21026721	9.0%
a	18084765	7.8%
o	15991705	6.9%
n	15559636	6.7%
i	13683389	5.9%
X	12663859	5.4%
r	12099290	5.2%
s	11362561	4.9%
h	9788258	4.2%
Other values (43)	75604023	32.5%

Most occurring blocks

Value	Count	Frequency (%)
ASCII	297580134	> 99.9%
Punctuation	427	< 0.1%
None	109	< 0.1%

Most frequent character per block

ASCII

Value	Count	Frequency (%)
	54644282	18.4%
e	26580718	8.9%
t	21026721	7.1%
a	18084765	6.1%
o	15991705	5.4%
n	15559636	5.2%
i	13683389	4.6%
X	12663859	4.3%
r	12099290	4.1%
s	11362561	3.8%
Other values (88)	95883208	32.2%

Punctuation

Value	Count	Frequency (%)
’	171	40.0%
”	77	18.0%
“	77	18.0%
•	70	16.4%
—	15	3.5%
–	8	1.9%
…	7	1.6%
‐	1	0.2%
‘	1	0.2%

None

Value	Count	Frequency (%)
	103	94.5%
§	2	1.8%
	2	1.8%
é	1	0.9%
½	1	0.9%

Company Public Response
Categorical

IMBALANCE MISSING

Distinct	10
Distinct (%)	< 0.1%
Missing	706646
Missing (%)	68.9%
Memory size	7.8 MiB

Company has responded to the consumer and the CFPB and chooses not to provide a public response	198774
Company chooses not to provide a public response	52473
Company believes it acted appropriately as authorized by contract or law	48123
Company believes the complaint is the result of a misunderstanding	4571
Company disputes the facts presented in the complaint	4180
Other values (5)	10243

Length

Max length	119
Median length	95
Mean length	82.503383
Min length	48

Characters and Unicode

Total characters	26266107
Distinct characters	28
Distinct categories	4 ?
Distinct scripts	2 ?
Distinct blocks	1 ?

The Unicode Standard assigns character properties to each code point, which can be used to analyse textual variables.

Unique

Unique	0 ?
Unique (%)	0.0%

Sample

1st row	Company has responded to the consumer and the CFPB and chooses not to provide a public response
2nd row	Company believes it acted appropriately as authorized by contract or law
3rd row	Company chooses not to provide a public response
4th row	Company believes it acted appropriately as authorized by contract or law
5th row	Company believes it acted appropriately as authorized by contract or law

Common Values

Value	Count	Frequency (%)
Company has responded to the consumer and the CFPB and chooses not to provide a public response	198774	19.4%
Company chooses not to provide a public response	52473	5.1%
Company believes it acted appropriately as authorized by contract or law	48123	4.7%
Company believes the complaint is the result of a misunderstanding	4571	0.4%
Company disputes the facts presented in the complaint	4180	0.4%
Company believes complaint caused principally by actions of third party outside the control or direction of the company	3359	0.3%
Company believes complaint is the result of an isolated error	3044	0.3%
Company can't verify or dispute the facts in the complaint	1928	0.2%
Company believes complaint represents an opportunity for improvement to better serve consumers	1859	0.2%
Company believes complaint relates to a discontinued policy or procedure	53	< 0.1%
(Missing)	706646	68.9%

Length

Histogram of lengths of the category

Common Values (Plot)

Value	Count	Frequency (%)
to	451933	10.0%
the	428668	9.4%
and	397548	8.8%
company	321723	7.1%
a	255871	5.6%
provide	251247	5.5%
response	251247	5.5%
public	251247	5.5%
not	251247	5.5%
chooses	251247	5.5%
Other values (48)	1428487	31.5%

Most occurring characters

Value	Count	Frequency (%)
	4222101	16.1%
o	2690935	10.2%
e	2425156	9.2%
s	1777912	6.8%
n	1738240	6.6%
a	1563814	6.0%
t	1504548	5.7%
p	1465508	5.6%
r	1205249	4.6%
d	1178658	4.5%
Other values (18)	6493986	24.7%

Most occurring categories

Value	Count	Frequency (%)
Lowercase Letter	20928618	79.7%
Space Separator	4222101	16.1%
Uppercase Letter	1113460	4.2%
Other Punctuation	1928	< 0.1%

Most frequent character per category

Lowercase Letter

Value	Count	Frequency (%)
o	2690935	12.9%
e	2425156	11.6%
s	1777912	8.5%
n	1738240	8.3%
a	1563814	7.5%
t	1504548	7.2%
p	1465508	7.0%
r	1205249	5.8%
d	1178658	5.6%
h	930171	4.4%
Other values (12)	4448427	21.3%

Uppercase Letter

Value	Count	Frequency (%)
C	517138	46.4%
F	198774	17.9%
P	198774	17.9%
B	198774	17.9%

Space Separator

Value	Count	Frequency (%)
	4222101	100.0%

Other Punctuation

Value	Count	Frequency (%)
'	1928	100.0%

Most occurring scripts

Value	Count	Frequency (%)
Latin	22042078	83.9%
Common	4224029	16.1%

Most frequent character per script

Latin

Value	Count	Frequency (%)
o	2690935	12.2%
e	2425156	11.0%
s	1777912	8.1%
n	1738240	7.9%
a	1563814	7.1%
t	1504548	6.8%
p	1465508	6.6%
r	1205249	5.5%
d	1178658	5.3%
h	930171	4.2%
Other values (16)	5561887	25.2%

Common

Value	Count	Frequency (%)
	4222101	> 99.9%
'	1928	< 0.1%

Most occurring blocks

Value	Count	Frequency (%)
ASCII	26266107	100.0%

Most frequent character per block

ASCII

Value	Count	Frequency (%)
	4222101	16.1%
o	2690935	10.2%
e	2425156	9.2%
s	1777912	6.8%
n	1738240	6.6%
a	1563814	6.0%
t	1504548	5.7%
p	1465508	5.6%
r	1205249	4.6%
d	1178658	4.5%
Other values (18)	6493986	24.7%

Company
Categorical

Distinct	4780
Distinct (%)	0.5%
Missing	0
Missing (%)	0.0%
Memory size	7.8 MiB

EQUIFAX, INC.	83659
BANK OF AMERICA, NATIONAL ASSOCIATION	74423
Experian Information Solutions Inc.	72858
TRANSUNION INTERMEDIATE HOLDINGS, INC.	66269
WELLS FARGO & COMPANY	62345
Other values (4775)	665456

Length

Max length	88
Median length	57
Mean length	25.077836
Min length	3

Characters and Unicode

Total characters	25705033
Distinct characters	77
Distinct categories	10 ?
Distinct scripts	2 ?
Distinct blocks	3 ?

The Unicode Standard assigns character properties to each code point, which can be used to analyse textual variables.

Unique

Unique	1031 ?
Unique (%)	0.1%

Sample

1st row	M&T BANK CORPORATION
2nd row	TRANSUNION INTERMEDIATE HOLDINGS, INC.
3rd row	CITIZENS FINANCIAL GROUP, INC.
4th row	AMERICAN EXPRESS COMPANY
5th row	CITIBANK, N.A.

Common Values

Value	Count	Frequency (%)
EQUIFAX, INC.	83659	8.2%
BANK OF AMERICA, NATIONAL ASSOCIATION	74423	7.3%
Experian Information Solutions Inc.	72858	7.1%
TRANSUNION INTERMEDIATE HOLDINGS, INC.	66269	6.5%
WELLS FARGO & COMPANY	62345	6.1%
JPMORGAN CHASE & CO.	51338	5.0%
CITIBANK, N.A.	41763	4.1%
CAPITAL ONE FINANCIAL CORPORATION	26983	2.6%
OCWEN LOAN SERVICING LLC	26308	2.6%
Navient Solutions, LLC.	24376	2.4%
Other values (4770)	494688	48.3%

Length

Histogram of lengths of the category

Value	Count	Frequency (%)
inc	392210	11.0%
bank	131787	3.7%
	128482	3.6%
llc	128200	3.6%
solutions	107411	3.0%
financial	101043	2.8%
national	95469	2.7%
holdings	91191	2.6%
company	91003	2.6%
association	88801	2.5%
Other values (4017)	2200936	61.9%

Most occurring characters

Value	Count	Frequency (%)
	2531353	9.8%
A	1891681	7.4%
N	1886440	7.3%
I	1800601	7.0%
C	1328945	5.2%
O	1316306	5.1%
E	1019032	4.0%
S	985741	3.8%
R	856843	3.3%
L	852789	3.3%
Other values (67)	11235302	43.7%

Most occurring categories

Value	Count	Frequency (%)
Uppercase Letter	16170299	62.9%
Lowercase Letter	5736963	22.3%
Space Separator	2531563	9.8%
Other Punctuation	1252448	4.9%
Open Punctuation	4301	< 0.1%
Close Punctuation	4301	< 0.1%
Dash Punctuation	2943	< 0.1%
Decimal Number	2073	< 0.1%
Final Punctuation	140	< 0.1%
Math Symbol	2	< 0.1%

Most frequent character per category

Lowercase Letter

Value	Count	Frequency (%)
n	796911	13.9%
i	604823	10.5%
o	587642	10.2%
e	539319	9.4%
a	469035	8.2%
t	441127	7.7%
r	399434	7.0%
c	335548	5.8%
s	304917	5.3%
l	271200	4.7%
Other values (17)	987007	17.2%

Uppercase Letter

Value	Count	Frequency (%)
A	1891681	11.7%
N	1886440	11.7%
I	1800601	11.1%
C	1328945	8.2%
O	1316306	8.1%
E	1019032	6.3%
S	985741	6.1%
R	856843	5.3%
L	852789	5.3%
T	797806	4.9%
Other values (16)	3434115	21.2%

Decimal Number

Value	Count	Frequency (%)
2	702	33.9%
1	695	33.5%
8	162	7.8%
3	149	7.2%
4	111	5.4%
0	101	4.9%
6	95	4.6%
9	56	2.7%
5	2	0.1%

Other Punctuation

Value	Count	Frequency (%)
.	624217	49.8%
,	484024	38.6%
&	136032	10.9%
/	6500	0.5%
'	1378	0.1%
*	191	< 0.1%
"	106	< 0.1%

Space Separator

Value	Count	Frequency (%)
	2531353	> 99.9%
	210	< 0.1%

Dash Punctuation

Value	Count	Frequency (%)
-	2895	98.4%
—	48	1.6%

Open Punctuation

Value	Count	Frequency (%)
(	4301	100.0%

Close Punctuation

Value	Count	Frequency (%)
)	4301	100.0%

Final Punctuation

Value	Count	Frequency (%)
’	140	100.0%

Math Symbol

Value	Count	Frequency (%)
+	2	100.0%

Most occurring scripts

Value	Count	Frequency (%)
Latin	21907262	85.2%
Common	3797771	14.8%

Most frequent character per script

Latin

Value	Count	Frequency (%)
A	1891681	8.6%
N	1886440	8.6%
I	1800601	8.2%
C	1328945	6.1%
O	1316306	6.0%
E	1019032	4.7%
S	985741	4.5%
R	856843	3.9%
L	852789	3.9%
T	797806	3.6%
Other values (43)	9171078	41.9%

Common

Value	Count	Frequency (%)
	2531353	66.7%
.	624217	16.4%
,	484024	12.7%
&	136032	3.6%
/	6500	0.2%
(	4301	0.1%
)	4301	0.1%
-	2895	0.1%
'	1378	< 0.1%
2	702	< 0.1%
Other values (14)	2068	0.1%

Most occurring blocks

Value	Count	Frequency (%)
ASCII	25704378	> 99.9%
None	467	< 0.1%
Punctuation	188	< 0.1%

Most frequent character per block

ASCII

Value	Count	Frequency (%)
	2531353	9.8%
A	1891681	7.4%
N	1886440	7.3%
I	1800601	7.0%
C	1328945	5.2%
O	1316306	5.1%
E	1019032	4.0%
S	985741	3.8%
R	856843	3.3%
L	852789	3.3%
Other values (63)	11234647	43.7%

None

Value	Count	Frequency (%)
à	257	55.0%
	210	45.0%

Punctuation

Value	Count	Frequency (%)
’	140	74.5%
—	48	25.5%

State
Categorical

HIGH CARDINALITY MISSING

Distinct	63
Distinct (%)	< 0.1%
Missing	12360
Missing (%)	1.2%
Memory size	7.8 MiB

CA	143662
FL	98007
TX	83248
NY	68892
GA	51672
Other values (58)	567169

Length

Max length	36
Median length	2
Mean length	2.0002015
Min length	2

Characters and Unicode

Total characters	2025504
Distinct characters	25
Distinct categories	2 ?
Distinct scripts	2 ?
Distinct blocks	1 ?

The Unicode Standard assigns character properties to each code point, which can be used to analyse textual variables.

Unique

Unique	0 ?
Unique (%)	0.0%

Sample

1st row	MI
2nd row	AL
3rd row	PA
4th row	ID
5th row	VA

Common Values

Value	Count	Frequency (%)
CA	143662	14.0%
FL	98007	9.6%
TX	83248	8.1%
NY	68892	6.7%
GA	51672	5.0%
NJ	39349	3.8%
IL	39129	3.8%
PA	35499	3.5%
VA	31187	3.0%
OH	30945	3.0%
Other values (53)	391060	38.2%

Length

Histogram of lengths of the category

Value	Count	Frequency (%)
ca	143662	14.2%
fl	98007	9.7%
tx	83248	8.2%
ny	68892	6.8%
ga	51672	5.1%
nj	39349	3.9%
il	39129	3.9%
pa	35499	3.5%
va	31187	3.1%
oh	30945	3.1%
Other values (57)	391084	38.6%

Most occurring characters

Value	Count	Frequency (%)
A	357714	17.7%
C	223321	11.0%
N	203990	10.1%
L	160218	7.9%
T	120577	6.0%
M	114714	5.7%
I	100484	5.0%
F	98061	4.8%
X	83248	4.1%
O	79728	3.9%
Other values (15)	483449	23.9%

Most occurring categories

Value	Count	Frequency (%)
Uppercase Letter	2025480	> 99.9%
Space Separator	24	< 0.1%

Most frequent character per category

Uppercase Letter

Value	Count	Frequency (%)
A	357714	17.7%
C	223321	11.0%
N	203990	10.1%
L	160218	7.9%
T	120577	6.0%
M	114714	5.7%
I	100484	5.0%
F	98061	4.8%
X	83248	4.1%
O	79728	3.9%
Other values (14)	483425	23.9%

Space Separator

Value	Count	Frequency (%)
	24	100.0%

Most occurring scripts

Value	Count	Frequency (%)
Latin	2025480	> 99.9%
Common	24	< 0.1%

Most frequent character per script

Latin

Value	Count	Frequency (%)
A	357714	17.7%
C	223321	11.0%
N	203990	10.1%
L	160218	7.9%
T	120577	6.0%
M	114714	5.7%
I	100484	5.0%
F	98061	4.8%
X	83248	4.1%
O	79728	3.9%
Other values (14)	483425	23.9%

Common

Value	Count	Frequency (%)
	24	100.0%

Most occurring blocks

Value	Count	Frequency (%)
ASCII	2025504	100.0%

Most frequent character per block

ASCII

Value	Count	Frequency (%)
A	357714	17.7%
C	223321	11.0%
N	203990	10.1%
L	160218	7.9%
T	120577	6.0%
M	114714	5.7%
I	100484	5.0%
F	98061	4.8%
X	83248	4.1%
O	79728	3.9%
Other values (15)	483449	23.9%

ZIP code
Categorical

HIGH CARDINALITY MISSING

Distinct	28944
Distinct (%)	2.9%
Missing	16718
Missing (%)	1.6%
Memory size	7.8 MiB

300XX	5475
770XX	4438
750XX	3691
606XX	3486
331XX	3322
Other values (28939)	987880

Length

Max length	6
Median length	5
Mean length	4.936206
Min length	1

Characters and Unicode

Total characters	4977137
Distinct characters	26
Distinct categories	10 ?
Distinct scripts	2 ?
Distinct blocks	1 ?

The Unicode Standard assigns character properties to each code point, which can be used to analyse textual variables.

Unique

Unique	6286 ?
Unique (%)	0.6%

Sample

1st row	48382
2nd row	352XX
3rd row	177XX
4th row	83854
5th row	23233

Common Values

Value	Count	Frequency (%)
300XX	5475	0.5%
770XX	4438	0.4%
750XX	3691	0.4%
606XX	3486	0.3%
331XX	3322	0.3%
330XX	3289	0.3%
900XX	3048	0.3%
303XX	2888	0.3%
945XX	2856	0.3%
334XX	2797	0.3%
Other values (28934)	973002	94.9%
(Missing)	16718	1.6%

Length

Histogram of lengths of the category

Value	Count	Frequency (%)
300xx	5475	0.5%
770xx	4438	0.4%
750xx	3691	0.4%
606xx	3486	0.3%
331xx	3322	0.3%
330xx	3289	0.3%
900xx	3048	0.3%
303xx	2888	0.3%
945xx	2856	0.3%
334xx	2797	0.3%
Other values (28922)	973003	96.5%

Most occurring characters

Value	Count	Frequency (%)
0	627856	12.6%
X	588472	11.8%
3	547204	11.0%
1	541416	10.9%
2	518223	10.4%
7	400327	8.0%
4	387040	7.8%
9	368541	7.4%
5	342471	6.9%
8	329250	6.6%
Other values (16)	326337	6.6%

Most occurring categories

Value	Count	Frequency (%)
Decimal Number	4388570	88.2%
Uppercase Letter	588473	11.8%
Dash Punctuation	56	< 0.1%
Open Punctuation	16	< 0.1%
Other Punctuation	9	< 0.1%
Modifier Symbol	4	< 0.1%
Math Symbol	3	< 0.1%
Currency Symbol	3	< 0.1%
Lowercase Letter	2	< 0.1%
Space Separator	1	< 0.1%

Most frequent character per category

Decimal Number

Value	Count	Frequency (%)
0	627856	14.3%
3	547204	12.5%
1	541416	12.3%
2	518223	11.8%
7	400327	9.1%
4	387040	8.8%
9	368541	8.4%
5	342471	7.8%
8	329250	7.5%
6	326242	7.4%

Other Punctuation

Value	Count	Frequency (%)
*	4	44.4%
.	2	22.2%
/	1	11.1%
"	1	11.1%
!	1	11.1%

Uppercase Letter

Value	Count	Frequency (%)
X	588472	> 99.9%
M	1	< 0.1%

Open Punctuation

Value	Count	Frequency (%)
[	13	81.2%
(	3	18.8%

Lowercase Letter

Value	Count	Frequency (%)
a	1	50.0%
r	1	50.0%

Dash Punctuation

Value	Count	Frequency (%)
-	56	100.0%

Modifier Symbol

Value	Count	Frequency (%)
`	4	100.0%

Math Symbol

Value	Count	Frequency (%)
+	3	100.0%

Currency Symbol

Value	Count	Frequency (%)
$	3	100.0%

Space Separator

Value	Count	Frequency (%)
	1	100.0%

Most occurring scripts

Value	Count	Frequency (%)
Common	4388662	88.2%
Latin	588475	11.8%

Most frequent character per script

Common

Value	Count	Frequency (%)
0	627856	14.3%
3	547204	12.5%
1	541416	12.3%
2	518223	11.8%
7	400327	9.1%
4	387040	8.8%
9	368541	8.4%
5	342471	7.8%
8	329250	7.5%
6	326242	7.4%
Other values (12)	92	< 0.1%

Latin

Value	Count	Frequency (%)
X	588472	> 99.9%
M	1	< 0.1%
a	1	< 0.1%
r	1	< 0.1%

Most occurring blocks

Value	Count	Frequency (%)
ASCII	4977137	100.0%

Most frequent character per block

ASCII

Value	Count	Frequency (%)
0	627856	12.6%
X	588472	11.8%
3	547204	11.0%
1	541416	10.9%
2	518223	10.4%
7	400327	8.0%
4	387040	7.8%
9	368541	7.4%
5	342471	6.9%
8	329250	6.6%
Other values (16)	326337	6.6%

Tags
Categorical

Distinct	3
Distinct (%)	< 0.1%
Missing	883422
Missing (%)	86.2%
Memory size	7.8 MiB

Older American	68727
Servicemember	61656
Older American, Servicemember	11205

Length

Max length	29
Median length	14
Mean length	14.75161
Min length	13

Characters and Unicode

Total characters	2088651
Distinct characters	16
Distinct categories	4 ?
Distinct scripts	2 ?
Distinct blocks	1 ?

The Unicode Standard assigns character properties to each code point, which can be used to analyse textual variables.

Unique

Unique	0 ?
Unique (%)	0.0%

Sample

1st row	Older American
2nd row	Older American
3rd row	Older American
4th row	Servicemember
5th row	Servicemember

Common Values

Value	Count	Frequency (%)
Older American	68727	6.7%
Servicemember	61656	6.0%
Older American, Servicemember	11205	1.1%
(Missing)	883422	86.2%

Length

Histogram of lengths of the category

Common Values (Plot)

Value	Count	Frequency (%)
older	79932	34.3%
american	79932	34.3%
servicemember	72861	31.3%

Most occurring characters

Value	Count	Frequency (%)
e	451308	21.6%
r	305586	14.6%
m	225654	10.8%
i	152793	7.3%
c	152793	7.3%
	91137	4.4%
O	79932	3.8%
l	79932	3.8%
d	79932	3.8%
A	79932	3.8%
Other values (6)	389652	18.7%

Most occurring categories

Value	Count	Frequency (%)
Lowercase Letter	1753584	84.0%
Uppercase Letter	232725	11.1%
Space Separator	91137	4.4%
Other Punctuation	11205	0.5%

Most frequent character per category

Lowercase Letter

Value	Count	Frequency (%)
e	451308	25.7%
r	305586	17.4%
m	225654	12.9%
i	152793	8.7%
c	152793	8.7%
l	79932	4.6%
d	79932	4.6%
a	79932	4.6%
n	79932	4.6%
v	72861	4.2%

Uppercase Letter

Value	Count	Frequency (%)
O	79932	34.3%
A	79932	34.3%
S	72861	31.3%

Space Separator

Value	Count	Frequency (%)
	91137	100.0%

Other Punctuation

Value	Count	Frequency (%)
,	11205	100.0%

Most occurring scripts

Value	Count	Frequency (%)
Latin	1986309	95.1%
Common	102342	4.9%

Most frequent character per script

Latin

Value	Count	Frequency (%)
e	451308	22.7%
r	305586	15.4%
m	225654	11.4%
i	152793	7.7%
c	152793	7.7%
O	79932	4.0%
l	79932	4.0%
d	79932	4.0%
A	79932	4.0%
a	79932	4.0%
Other values (4)	298515	15.0%

Common

Value	Count	Frequency (%)
	91137	89.1%
,	11205	10.9%

Most occurring blocks

Value	Count	Frequency (%)
ASCII	2088651	100.0%

Most frequent character per block

ASCII

Value	Count	Frequency (%)
e	451308	21.6%
r	305586	14.6%
m	225654	10.8%
i	152793	7.3%
c	152793	7.3%
	91137	4.4%
O	79932	3.8%
l	79932	3.8%
d	79932	3.8%
A	79932	3.8%
Other values (6)	389652	18.7%

Consumer consent provided?
Categorical

HIGH CORRELATION MISSING

Distinct	4
Distinct (%)	< 0.1%
Missing	533099
Missing (%)	52.0%
Memory size	7.8 MiB

Consent provided	277814
Consent not provided	200503
Other	12605
Consent withdrawn	989

Length

Max length	20
Median length	16
Mean length	17.350541
Min length	5

Characters and Unicode

Total characters	8534922
Distinct characters	16
Distinct categories	3 ?
Distinct scripts	2 ?
Distinct blocks	1 ?

The Unicode Standard assigns character properties to each code point, which can be used to analyse textual variables.

Unique

Unique	0 ?
Unique (%)	0.0%

Sample

1st row	Consent provided
2nd row	Consent provided
3rd row	Consent not provided
4th row	Consent provided
5th row	Consent provided

Common Values

Value	Count	Frequency (%)
Consent provided	277814	27.1%
Consent not provided	200503	19.6%
Other	12605	1.2%
Consent withdrawn	989	0.1%
(Missing)	533099	52.0%

Length

Histogram of lengths of the category

Common Values (Plot)

Value	Count	Frequency (%)
consent	479306	40.9%
provided	478317	40.8%
not	200503	17.1%
other	12605	1.1%
withdrawn	989	0.1%

Most occurring characters

Value	Count	Frequency (%)
n	1160104	13.6%
o	1158126	13.6%
e	970228	11.4%
d	957623	11.2%
t	693403	8.1%
	679809	8.0%
r	491911	5.8%
C	479306	5.6%
s	479306	5.6%
i	479306	5.6%
Other values (6)	985800	11.6%

Most occurring categories

Value	Count	Frequency (%)
Lowercase Letter	7363202	86.3%
Space Separator	679809	8.0%
Uppercase Letter	491911	5.8%

Most frequent character per category

Lowercase Letter

Value	Count	Frequency (%)
n	1160104	15.8%
o	1158126	15.7%
e	970228	13.2%
d	957623	13.0%
t	693403	9.4%
r	491911	6.7%
s	479306	6.5%
i	479306	6.5%
p	478317	6.5%
v	478317	6.5%
Other values (3)	16561	0.2%

Uppercase Letter

Value	Count	Frequency (%)
C	479306	97.4%
O	12605	2.6%

Space Separator

Value	Count	Frequency (%)
	679809	100.0%

Most occurring scripts

Value	Count	Frequency (%)
Latin	7855113	92.0%
Common	679809	8.0%

Most frequent character per script

Latin

Value	Count	Frequency (%)
n	1160104	14.8%
o	1158126	14.7%
e	970228	12.4%
d	957623	12.2%
t	693403	8.8%
r	491911	6.3%
C	479306	6.1%
s	479306	6.1%
i	479306	6.1%
p	478317	6.1%
Other values (5)	507483	6.5%

Common

Value	Count	Frequency (%)
	679809	100.0%

Most occurring blocks

Value	Count	Frequency (%)
ASCII	8534922	100.0%

Most frequent character per block

ASCII

Value	Count	Frequency (%)
n	1160104	13.6%
o	1158126	13.6%
e	970228	11.4%
d	957623	11.2%
t	693403	8.1%
	679809	8.0%
r	491911	5.8%
C	479306	5.6%
s	479306	5.6%
i	479306	5.6%
Other values (6)	985800	11.6%

Submitted via
Categorical

Distinct	6
Distinct (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	7.8 MiB

Web	734874
Referral	151535
Phone	63506
Postal mail	59430
Fax	15300

Length

Max length	11
Median length	3
Mean length	4.3276524
Min length	3

Characters and Unicode

Total characters	4435887
Distinct characters	20
Distinct categories	3 ?
Distinct scripts	2 ?
Distinct blocks	1 ?

The Unicode Standard assigns character properties to each code point, which can be used to analyse textual variables.

Unique

Unique	0 ?
Unique (%)	0.0%

Sample

1st row	Referral
2nd row	Web
3rd row	Web
4th row	Web
5th row	Web

Common Values

Value	Count	Frequency (%)
Web	734874	71.7%
Referral	151535	14.8%
Phone	63506	6.2%
Postal mail	59430	5.8%
Fax	15300	1.5%
Email	365	< 0.1%

Length

Histogram of lengths of the category

Common Values (Plot)

Value	Count	Frequency (%)
web	734874	67.8%
referral	151535	14.0%
phone	63506	5.9%
postal	59430	5.5%
mail	59430	5.5%
fax	15300	1.4%
email	365	< 0.1%

Most occurring characters

Value	Count	Frequency (%)
e	1101450	24.8%
W	734874	16.6%
b	734874	16.6%
r	303070	6.8%
a	286060	6.4%
l	270760	6.1%
R	151535	3.4%
f	151535	3.4%
o	122936	2.8%
P	122936	2.8%
Other values (10)	455857	10.3%

Most occurring categories

Value	Count	Frequency (%)
Lowercase Letter	3351447	75.6%
Uppercase Letter	1025010	23.1%
Space Separator	59430	1.3%

Most frequent character per category

Lowercase Letter

Value	Count	Frequency (%)
e	1101450	32.9%
b	734874	21.9%
r	303070	9.0%
a	286060	8.5%
l	270760	8.1%
f	151535	4.5%
o	122936	3.7%
h	63506	1.9%
n	63506	1.9%
m	59795	1.8%
Other values (4)	193955	5.8%

Uppercase Letter

Value	Count	Frequency (%)
W	734874	71.7%
R	151535	14.8%
P	122936	12.0%
F	15300	1.5%
E	365	< 0.1%

Space Separator

Value	Count	Frequency (%)
	59430	100.0%

Most occurring scripts

Value	Count	Frequency (%)
Latin	4376457	98.7%
Common	59430	1.3%

Most frequent character per script

Latin

Value	Count	Frequency (%)
e	1101450	25.2%
W	734874	16.8%
b	734874	16.8%
r	303070	6.9%
a	286060	6.5%
l	270760	6.2%
R	151535	3.5%
f	151535	3.5%
o	122936	2.8%
P	122936	2.8%
Other values (9)	396427	9.1%

Common

Value	Count	Frequency (%)
	59430	100.0%

Most occurring blocks

Value	Count	Frequency (%)
ASCII	4435887	100.0%

Most frequent character per block

ASCII

Value	Count	Frequency (%)
e	1101450	24.8%
W	734874	16.6%
b	734874	16.6%
r	303070	6.8%
a	286060	6.4%
l	270760	6.1%
R	151535	3.4%
f	151535	3.4%
o	122936	2.8%
P	122936	2.8%
Other values (10)	455857	10.3%

Date Sent to Company
Categorical

Distinct	2292
Distinct (%)	0.2%
Missing	0
Missing (%)	0.0%
Memory size	7.8 MiB

09-08-2017	3387
09-09-2017	2656
01/19/2017	1613
09/13/2017	1535
01/20/2017	1467
Other values (2287)	1014352

Length

Max length	10
Median length	10
Mean length	10
Min length	10

Characters and Unicode

Total characters	10250100
Distinct characters	12
Distinct categories	3 ?
Distinct scripts	1 ?
Distinct blocks	1 ?

The Unicode Standard assigns character properties to each code point, which can be used to analyse textual variables.

Unique

Unique	8 ?
Unique (%)	< 0.1%

Sample

1st row	03/17/2014
2nd row	10-05-2016
3rd row	10/20/2016
4th row	06-10-2014
5th row	09/13/2014

Common Values

Value	Count	Frequency (%)
09-08-2017	3387	0.3%
09-09-2017	2656	0.3%
01/19/2017	1613	0.2%
09/13/2017	1535	0.1%
01/20/2017	1467	0.1%
09/14/2017	1264	0.1%
01/24/2017	1235	0.1%
04-10-2018	1205	0.1%
01/25/2017	1148	0.1%
04-11-2018	1143	0.1%
Other values (2282)	1008357	98.4%

Length

Histogram of lengths of the category

Value	Count	Frequency (%)
09-08-2017	3387	0.3%
09-09-2017	2656	0.3%
01/19/2017	1613	0.2%
09/13/2017	1535	0.1%
01/20/2017	1467	0.1%
09/14/2017	1264	0.1%
01/24/2017	1235	0.1%
04-10-2018	1205	0.1%
01/25/2017	1148	0.1%
04-11-2018	1143	0.1%
Other values (2282)	1008357	98.4%

Most occurring characters

Value	Count	Frequency (%)
0	2301429	22.5%
1	1892539	18.5%
2	1695246	16.5%
/	1234084	12.0%
-	815936	8.0%
7	425544	4.2%
6	371280	3.6%
3	363862	3.5%
4	343633	3.4%
5	342655	3.3%
Other values (2)	463892	4.5%

Most occurring categories

Value	Count	Frequency (%)
Decimal Number	8200080	80.0%
Other Punctuation	1234084	12.0%
Dash Punctuation	815936	8.0%

Most frequent character per category

Decimal Number

Value	Count	Frequency (%)
0	2301429	28.1%
1	1892539	23.1%
2	1695246	20.7%
7	425544	5.2%
6	371280	4.5%
3	363862	4.4%
4	343633	4.2%
5	342655	4.2%
8	273368	3.3%
9	190524	2.3%

Other Punctuation

Value	Count	Frequency (%)
/	1234084	100.0%

Dash Punctuation

Value	Count	Frequency (%)
-	815936	100.0%

Most occurring scripts

Value	Count	Frequency (%)
Common	10250100	100.0%

Most frequent character per script

Common

Value	Count	Frequency (%)
0	2301429	22.5%
1	1892539	18.5%
2	1695246	16.5%
/	1234084	12.0%
-	815936	8.0%
7	425544	4.2%
6	371280	3.6%
3	363862	3.5%
4	343633	3.4%
5	342655	3.3%
Other values (2)	463892	4.5%

Most occurring blocks

Value	Count	Frequency (%)
ASCII	10250100	100.0%

Most frequent character per block

ASCII

Value	Count	Frequency (%)
0	2301429	22.5%
1	1892539	18.5%
2	1695246	16.5%
/	1234084	12.0%
-	815936	8.0%
7	425544	4.2%
6	371280	3.6%
3	363862	3.5%
4	343633	3.4%
5	342655	3.3%
Other values (2)	463892	4.5%

Company Response to Consumer
Categorical

Distinct	8
Distinct (%)	< 0.1%
Missing	3
Missing (%)	< 0.1%
Memory size	7.8 MiB

Closed with explanation	786749
Closed with non-monetary relief	123665
Closed with monetary relief	62358
Closed without relief	17868
Closed	17611
Other values (3)	16756

Length

Max length	31
Median length	23
Mean length	23.751077
Min length	6

Characters and Unicode

Total characters	24345020
Distinct characters	24
Distinct categories	4 ?
Distinct scripts	2 ?
Distinct blocks	1 ?

The Unicode Standard assigns character properties to each code point, which can be used to analyse textual variables.

Unique

Unique	0 ?
Unique (%)	0.0%

Sample

1st row	Closed with explanation
2nd row	Closed with explanation
3rd row	Closed with explanation
4th row	Closed with explanation
5th row	Closed with explanation

Common Values

Value	Count	Frequency (%)
Closed with explanation	786749	76.8%
Closed with non-monetary relief	123665	12.1%
Closed with monetary relief	62358	6.1%
Closed without relief	17868	1.7%
Closed	17611	1.7%
In progress	6423	0.6%
Closed with relief	5304	0.5%
Untimely response	5029	0.5%
(Missing)	3	< 0.1%

Length

Histogram of lengths of the category

Common Values (Plot)

Value	Count	Frequency (%)
closed	1013555	31.5%
with	978076	30.4%
explanation	786749	24.5%
relief	209195	6.5%
non-monetary	123665	3.8%
monetary	62358	1.9%
without	17868	0.6%
in	6423	0.2%
progress	6423	0.2%
untimely	5029	0.2%

Most occurring characters

Value	Count	Frequency (%)
e	2426227	10.0%
	2189363	9.0%
o	2139312	8.8%
n	2023332	8.3%
l	2014528	8.3%
i	1996917	8.2%
t	1991613	8.2%
a	1759521	7.2%
s	1036459	4.3%
C	1013555	4.2%
Other values (14)	5754193	23.6%

Most occurring categories

Value	Count	Frequency (%)
Lowercase Letter	21006985	86.3%
Space Separator	2189363	9.0%
Uppercase Letter	1025007	4.2%
Dash Punctuation	123665	0.5%

Most frequent character per category

Lowercase Letter

Value	Count	Frequency (%)
e	2426227	11.5%
o	2139312	10.2%
n	2023332	9.6%
l	2014528	9.6%
i	1996917	9.5%
t	1991613	9.5%
a	1759521	8.4%
s	1036459	4.9%
d	1013555	4.8%
w	995944	4.7%
Other values (9)	3609577	17.2%

Uppercase Letter

Value	Count	Frequency (%)
C	1013555	98.9%
I	6423	0.6%
U	5029	0.5%

Space Separator

Value	Count	Frequency (%)
	2189363	100.0%

Dash Punctuation

Value	Count	Frequency (%)
-	123665	100.0%

Most occurring scripts

Value	Count	Frequency (%)
Latin	22031992	90.5%
Common	2313028	9.5%

Most frequent character per script

Latin

Value	Count	Frequency (%)
e	2426227	11.0%
o	2139312	9.7%
n	2023332	9.2%
l	2014528	9.1%
i	1996917	9.1%
t	1991613	9.0%
a	1759521	8.0%
s	1036459	4.7%
C	1013555	4.6%
d	1013555	4.6%
Other values (12)	4616973	21.0%

Common

Value	Count	Frequency (%)
	2189363	94.7%
-	123665	5.3%

Most occurring blocks

Value	Count	Frequency (%)
ASCII	24345020	100.0%

Most frequent character per block

ASCII

Value	Count	Frequency (%)
e	2426227	10.0%
	2189363	9.0%
o	2139312	8.8%
n	2023332	8.3%
l	2014528	8.3%
i	1996917	8.2%
t	1991613	8.2%
a	1759521	7.2%
s	1036459	4.3%
C	1013555	4.2%
Other values (14)	5754193	23.6%

Timely response?
Boolean

Distinct	2
Distinct (%)	< 0.1%
Missing	0
Missing (%)	0.0%
Memory size	1001.1 KiB

True	997239
False	27771

Common Values (Table)
Common Values (Plot)

Value	Count	Frequency (%)
True	997239	97.3%
False	27771	2.7%

Consumer disputed?
Boolean

Distinct	2
Distinct (%)	< 0.1%
Missing	256456
Missing (%)	25.0%
Memory size	2.0 MiB

False	620176
True	148378
(Missing)	256456

Common Values (Table)
Common Values (Plot)

Value	Count	Frequency (%)
False	620176	60.5%
True	148378	14.5%
(Missing)	256456	25.0%

Complaint ID
Real number (ℝ)

Distinct	1025010
Distinct (%)	100.0%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%
Mean	1646972.5

Minimum	1
Maximum	2893554
Zeros	0
Zeros (%)	0.0%
Negative	0
Negative (%)	0.0%
Memory size	7.8 MiB

Quantile statistics

Minimum	1
5-th percentile	148604.9
Q1	901395.25
median	1747510.5
Q3	2464602.8
95-th percentile	2814900.1
Maximum	2893554
Range	2893553
Interquartile range (IQR)	1563207.5

Descriptive statistics

Standard deviation	873386.73
Coefficient of variation (CV)	0.53029831
Kurtosis	-1.2011559
Mean	1646972.5
Median Absolute Deviation (MAD)	756103.5
Skewness	-0.26976191
Sum	1.6881633 × 10¹²
Variance	7.6280439 × 10¹¹
Monotonicity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
759217	1	< 0.1%
165317	1	< 0.1%
2278830	1	< 0.1%
2095989	1	< 0.1%
1397098	1	< 0.1%
1535381	1	< 0.1%
1284423	1	< 0.1%
665918	1	< 0.1%
380536	1	< 0.1%
1186785	1	< 0.1%
Other values (1025000)	1025000	> 99.9%

Minimum 10 values
Maximum 10 values

Value	Count	Frequency (%)
1	1	< 0.1%
5	1	< 0.1%
7	1	< 0.1%
16	1	< 0.1%
20	1	< 0.1%
22	1	< 0.1%
24	1	< 0.1%
26	1	< 0.1%
27	1	< 0.1%
36	1	< 0.1%

Value	Count	Frequency (%)
2893554	1	< 0.1%
2893480	1	< 0.1%
2893449	1	< 0.1%
2893438	1	< 0.1%
2893330	1	< 0.1%
2893320	1	< 0.1%
2893311	1	< 0.1%
2893281	1	< 0.1%
2893246	1	< 0.1%
2893171	1	< 0.1%

Unnamed: 18
Unsupported

MISSING REJECTED UNSUPPORTED

Missing	1025010
Missing (%)	100.0%
Memory size	7.8 MiB

Complaint ID

Complaint ID

Auto

Heatmap
Table

	Complaint ID	Product	Sub-product	Company Public Response	State	Tags	Consumer consent provided?	Submitted via	Company Response to Consumer	Timely response?	Consumer disputed?
Complaint ID	1.000	0.272	0.313	0.273	0.034	0.224	0.039	0.122	0.206	0.046	0.059
Product	0.272	1.000	0.863	0.221	0.048	0.271	0.121	0.168	0.181	0.139	0.067
Sub-product	0.313	0.863	1.000	0.237	0.034	0.320	0.119	0.285	0.175	0.151	0.080
Company Public Response	0.273	0.221	0.237	1.000	0.029	0.143	0.033	0.040	0.109	0.087	0.071
State	0.034	0.048	0.034	0.029	1.000	0.148	0.033	0.056	0.027	0.022	0.027
Tags	0.224	0.271	0.320	0.143	0.148	1.000	0.058	0.144	0.074	0.029	0.004
Consumer consent provided?	0.039	0.121	0.119	0.033	0.033	0.058	1.000	1.000	0.072	0.015	0.053
Submitted via	0.122	0.168	0.285	0.040	0.056	0.144	1.000	1.000	0.064	0.024	0.068
Company Response to Consumer	0.206	0.181	0.175	0.109	0.027	0.074	0.072	0.064	1.000	0.426	0.109
Timely response?	0.046	0.139	0.151	0.087	0.022	0.029	0.015	0.024	0.426	1.000	0.032
Consumer disputed?	0.059	0.067	0.080	0.071	0.027	0.004	0.053	0.068	0.109	0.032	1.000

A simple visualization of nullity by column.

Nullity matrix is a data-dense display which lets you quickly visually pick out patterns in data completion.

The correlation heatmap measures nullity correlation: how strongly the presence or absence of one variable affects the presence of another.

First rows
Last rows

	Date received	Product	Sub-product	Issue	Sub-issue	Consumer Complaint	Company Public Response	Company	State	ZIP code	Tags	Consumer consent provided?	Submitted via	Date Sent to Company	Company Response to Consumer	Timely response?	Consumer disputed?	Complaint ID	Unnamed: 18
0	2014-03-12	Mortgage	Other mortgage	Loan modification,collection,foreclosure	NaN	NaN	NaN	M&T BANK CORPORATION	MI	48382	NaN	NaN	Referral	03/17/2014	Closed with explanation	Yes	No	759217	NaN
1	2016-10-01	Credit reporting	NaN	Incorrect information on credit report	Account status	I have outdated information on my credit report that I have previously disputed that has yet to be removed this information is more then seven years old and does not meet credit reporting requirements	Company has responded to the consumer and the CFPB and chooses not to provide a public response	TRANSUNION INTERMEDIATE HOLDINGS, INC.	AL	352XX	NaN	Consent provided	Web	10-05-2016	Closed with explanation	Yes	No	2141773	NaN
2	2016-10-17	Consumer Loan	Vehicle loan	Managing the loan or lease	NaN	I purchased a new car on XXXX XXXX. The car dealer called Citizens Bank to get a 10 day payoff on my loan, good till XXXX XXXX. The dealer sent the check the next day. When I balanced my checkbook on XXXX XXXX. I noticed that Citizens bank had taken the automatic payment out of my checking account at XXXX XXXX XXXX Bank. I called Citizens and they stated that they did not close the loan until XXXX XXXX. ( stating that they did not receive the check until XXXX. XXXX. ). I told them that I did not believe that the check took that long to arrive. XXXX told me a check was issued to me for the amount overpaid, they deducted additional interest. Today ( XXXX XXXX, ) I called Citizens Bank again and talked to a supervisor named XXXX, because on XXXX XXXX. I received a letter that the loan had been paid in full ( dated XXXX, XXXX ) but no refund check was included. XXXX stated that they hold any over payment for 10 business days after the loan was satisfied and that my check would be mailed out on Wed. the XX/XX/XXXX.. I questioned her about the delay in posting the dealer payment and she first stated that sometimes it takes 3 or 4 business days to post, then she said they did not receive the check till XXXX XXXX I again told her that I did not believe this and asked where is my money. She then stated that they hold the over payment for 10 business days. I asked her why, and she simply said that is their policy. I asked her if I would receive interest on my money and she stated no. I believe that Citizens bank is deliberately delaying the posting of payment and the return of consumer 's money to make additional interest for the bank. If this is not illegal it should be, it does hurt the consumer and is not ethical. My amount of money lost is minimal but if they are doing this on thousands of car loans a month, then the additional interest earned for them could be staggering. I still have another car loan from Citizens Bank and I am afraid when I trade that car in another year I will run into the same problem again.	NaN	CITIZENS FINANCIAL GROUP, INC.	PA	177XX	Older American	Consent provided	Web	10/20/2016	Closed with explanation	Yes	No	2163100	NaN
3	2014-06-08	Credit card	NaN	Bankruptcy	NaN	NaN	NaN	AMERICAN EXPRESS COMPANY	ID	83854	Older American	NaN	Web	06-10-2014	Closed with explanation	Yes	Yes	885638	NaN
4	2014-09-13	Debt collection	Credit card	Communication tactics	Frequent or repeated calls	NaN	NaN	CITIBANK, N.A.	VA	23233	NaN	NaN	Web	09/13/2014	Closed with explanation	Yes	Yes	1027760	NaN
5	2013-11-13	Mortgage	Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NaN	NaN	NaN	U.S. BANCORP	MN	48322	NaN	NaN	Phone	11/20/2013	Closed with monetary relief	Yes	No	596562	NaN
6	2015-06-16	Debt collection	Medical	Improper contact or sharing of info	Contacted employer after asked not to	NaN	Company believes it acted appropriately as authorized by contract or law	California Accounts Service	CA	92111	NaN	Consent not provided	Web	06/19/2015	Closed with explanation	Yes	No	1422680	NaN
7	2015-06-15	Credit reporting	NaN	Credit reporting company's investigation	Inadequate help over the phone	An account on my credit report has a mistaken date. I mailed in a debt validation letter to allow XXXX to correct the information. I received a letter in the mail, stating that Experian received my correspondence and found it to be " suspicious '' and that " I did n't write it ''. Experian 's letter is worded to imply that I am incapable of writing my own letter. I was deeply offended by this implication. \nI called Experian to figure out why my letter was so suspicious. I spoke to a representative who was incredibly unhelpful, She did not effectively answer any questions I asked of her, and she kept ignoring what I was saying regarding the offensive letter and my dispute process. I feel the representative did what she wanted to do, and I am not satisfied. It is STILL not clear to me why I received this letter. I typed this letter, I signed this letter, and I paid to mail this letter, yet Experian willfully disregarded my lawful request. \nI am disgusted with this entire situation, and I would like for my dispute to be handled appropriately, and I would like for an Experian representative to contact me and give me a real explanation for this letter.	Company chooses not to provide a public response	Experian Information Solutions Inc.	VA	224XX	NaN	Consent provided	Web	06/15/2015	Closed with explanation	Yes	No	1420702	NaN
8	2015-11-13	Mortgage	Other mortgage	Loan modification,collection,foreclosure	NaN	NaN	Company believes it acted appropriately as authorized by contract or law	Aldridge Pite, LLP	CA	93101	NaN	NaN	Referral	12-10-2015	Closed with explanation	Yes	Yes	1654890	NaN
9	2014-10-21	Mortgage	Conventional fixed mortgage	Loan modification,collection,foreclosure	NaN	NaN	NaN	OCWEN LOAN SERVICING LLC	FL	32714	Older American	NaN	Web	10/21/2014	Closed with explanation	Yes	No	1079567	NaN

	Date received	Product	Sub-product	Issue	Sub-issue	Consumer Complaint	Company Public Response	Company	State	ZIP code	Tags	Consumer consent provided?	Submitted via	Date Sent to Company	Company Response to Consumer	Timely response?	Consumer disputed?	Complaint ID	Unnamed: 18
1025000	2015-09-17	Credit card	NaN	Rewards	NaN	Barclay closed my Barclay XXXX MasterCard account XX/XX/XXXX, and sent a letter indicating the following : " We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are unable to maintain an account with you because of your history of account usage. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement that governs your account. '' This sudden closure of my account came as a surprise to me and I am very upset as I had XXXX Barclay Arrival points ( worth approximately {$2900.00} in travel expenses ) in this account that I can no longer access because the account is now closed. It is truly disheartening to have worked so hard to earn those points, only to lose them in such a shocking and abrupt manner. I have been a Barclay 's credit card customer XX/XX/XXXX, and I am disappointed with the manner in which they have closed my account. My expectation is that Barclay should have at least notified me about what I had been doing that was unsatisfactory, so that I could have taken the necessary actions to avoid being closed. Instead they closed my account without any warning.	Company chooses not to provide a public response	BARCLAYS BANK DELAWARE	IN	461XX	NaN	Consent provided	Web	09/17/2015	Closed with monetary relief	Yes	No	1568426	NaN
1025001	2014-02-11	Credit card	NaN	Identity theft / Fraud / Embezzlement	NaN	NaN	NaN	CAPITAL ONE FINANCIAL CORPORATION	WV	25504	Older American	NaN	Web	02-11-2014	Closed with monetary relief	Yes	No	710260	NaN
1025002	2016-11-09	Debt collection	Medical	False statements or representation	Attempted to collect wrong amount	Our son was taken to XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2012 as an ER visit. We had insurance through XXXX XXXX at the time and the hospital failed to submit the claim to our insurance company, and has been asking us to pay out of pocket for the services even though the services were covered under our insurance. XXXX says they submitted a claim for {$1200.00} to the insurance company, and when I asked XXXX to explain to me why it was denied, they could n't provide a reason other than simply saying that it " was n't paid '' ; I believe it " was n't paid '' because it was never sent out not to mention that XXXX has no record of this claim amount for XXXX 2012 for our son. \n\nMy husband I followed up numerous times with the hospital asking them to resubmit the appropriate paperwork to the insurance and they never sent the claim to the insurance, even though they reassured us they had. We tried everything possible to get the XXXX parties connected and appropriate documents sent over, but we are the middle men. I spoke with XXXX at XXXX today, and she confirmed that the only claim they received for our son for services in XXXX 2012 was a claim totaling {$670.00}, of which we were responsible for {$250.00} ( {$220.00} deductible amt + {$30.00} co-pay ). XXXX does not show any claim for {$1200.00} ; therefore it was never sent/received.	Company believes complaint caused principally by actions of third party outside the control or direction of the company	R & B Corporation of Virginia	NJ	077XX	NaN	Consent provided	Web	11-09-2016	Closed with explanation	Yes	No	2201681	NaN
1025003	2016-01-22	Bank account or service	Checking account	Deposits and withdrawals	NaN	On XXXX/XXXX/13, without my authorization, Bank of America withdrew {$29000.00} from my personal account to charge off my company credit card ( XXXX - Bank of America ). My corporation had a separate bank account and a Business card account with Bank of America not linked with my personal account.	Company chooses not to provide a public response	BANK OF AMERICA, NATIONAL ASSOCIATION	FL	347XX	NaN	Consent provided	Web	01/22/2016	Closed with monetary relief	Yes	No	1753439	NaN
1025004	2017-01-26	Debt collection	Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed	Debt is not mine	NaN	NaN	North Shore Agency, LLC	OR	97355	NaN	NaN	Referral	01/31/2017	Closed with explanation	Yes	No	2313821	NaN
1025005	2017-04-10	Debt collection	Credit card	Cont'd attempts collect debt not owed	Debt is not mine	NaN	Company has responded to the consumer and the CFPB and chooses not to provide a public response	PENTAGON FEDERAL CREDIT UNION	TX	77802	NaN	NaN	Referral	04-11-2017	Closed with explanation	Yes	No	2428130	NaN
1025006	2017-02-07	Debt collection	Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed	Debt is not mine	I had an account with XXXX in XX/XX/XXXX this was previously disputed for XXXX $ $ because at & t sold their towers in the area of my employer so my father and I whom both work here could not receive any phone calls while in our job, XXXX agreed and deleted it from our credit report. Now they 're saying I owe a combined about of XXXX sounds like XXXX is trying to combine the XXXX XXXX my father and I owed for termination onto my report only.	Company believes it acted appropriately as authorized by contract or law	ERC	NY	115XX	Servicemember	Consent provided	Web	02-07-2017	Closed	Yes	No	2331270	NaN
1025007	2017-01-04	Mortgage	Conventional fixed mortgage	Application, originator, mortgage broker	NaN	I was contacted on XX/XX/XXXX email by XXXX from Caliber Home Loans to refinance my current loan with them. I replied on XX/XX/XXXX he gave me an acceptable estimate for refinancing my condo which was already mortgaged with Caliber. XXXX then proceeded to try to get me to refinance my primary home. He presented another favorable quote so I proceeded. We started the process and got both appraisals done and I provided all of the requested documents. The appraisals came back lower than the estimates so XXXX reworked the estimates and I approved and we moved on. This all happened before XXXX. I got a call from my first loan processor XXXX on XX/XX/XXXX herself and stating she was beginning the next phase of my loans. I have never heard another word from XXXX. I began trying to get a status of my loans on XX/XX/XXXX to allow extra time for the holidays. I called and emailed both XX/XX/XXXX and XX/XX/XXXX. Neither of them EVER replied or returned my phone calls. I tried emailing and calling multiple times every day. I called their main number but they were useless. I tried logging onto my account to check the status of my loans but I could n't even access my account because of some IT problem they were having. I finally got someone on the XXXX number to give me someone else 's number. So I started calling XXXX who was supposedly XXXX boss but he never called me back either. On XX/XX/XXXX I got a call back from XXXX and he has been the most responsive but he has gone silent since the holidays. I was then assigned a new loan processor XX/XX/XXXX who basically started all over. I was told my new loan details after the appraisals came back lower were never entered into their system even though I had signed the new loans before XXXX. XXXX sent new estimates and my closing costs were higher even though I was borrowing less. XXXX said it was because my properties were entered as something other than condos and the condo closing costs are higher. He also refused to reimburse me for the appraisals. He said I would get " credit for paying '' them at closing but I would not get reimbursed as XXXX had told me. He also is not honoring the lender credit I was given. I had locked in my interest rates which expired on XX/XX/2017. Supposedly Caliber extended the rate lock until XX/XX/XXXX but I have only received an email about the rate lock. I have not seen any official documentation. Late last week XXXX said there is a problem with the HOA on my primary property because of pending litigation but that it could still be handled and I could close on both properties if the right departments from Caliber was involved. I have not heard a word from XXXX since and the only communication I received at all was from XXXX 's boss yesterday in an informal email about my rate lock extension. \nI know this is a lengthy story but here are my complaints : 1. Deceitful marketing practices. I am confident XXXX intentionally entered my properties into their system as something other than condos to make the deals more attractive in order to get me to refinance. The reason I am confident is because they already hold the loan on one of my properties. \n2. Not honoring the agreement of reimbursing me for the appraisals and not giving me the lender credit as promised. \n3. The total and complete lack of professionalism in their lack of communication with their customer, me. This is the absolute worst experience I have ever had with any institution wanting my business for anything.	NaN	Caliber Home Loans, Inc.	FL	336XX	NaN	Consent provided	Web	01-04-2017	Closed with explanation	Yes	No	2274241	NaN
1025008	2015-09-28	Debt collection	Non-federal student loan	Disclosure verification of debt	Not given enough info to verify debt	NaN	Company chooses not to provide a public response	Progressive Financial Services, Inc.	OH	44017	NaN	NaN	Postal mail	09/30/2015	Closed with explanation	Yes	No	1582525	NaN
1025009	2016-08-19	Debt collection	Payday loan	Cont'd attempts collect debt not owed	Debt is not mine	I had a debit that was included in my chapter XXXX BK, almost two years letter this item showed on my credit reports under collection status for Midwest Recovery Systems. This dropped my credit score XXXX points. I called them and they said their client had n't informed them that it was included in BK, but the damage had already been done. It took them 30 days to remove this incorrectly put item on my credit reports. Its still showing up on my XXXX. I thought this was against the law for them to do that since I am protected by BK laws. They should be fined for this. I should sue.	Company believes it acted appropriately as authorized by contract or law	Midwest Recovery Systems	FL	336XX	NaN	Consent provided	Web	08/19/2016	Closed with explanation	Yes	Yes	2073214	NaN

Overview

Variables

Common Values

Length

Most occurring characters

Most occurring categories

Most frequent character per category

Lowercase Letter

Uppercase Letter

Space Separator

Other Punctuation

Most occurring scripts

Most frequent character per script

Latin

Common

Most occurring blocks

Most frequent character per block

ASCII

Common Values

Length

Most occurring characters

Most occurring categories

Most frequent character per category

Lowercase Letter

Uppercase Letter

Other Punctuation

Space Separator

Close Punctuation

Open Punctuation

Dash Punctuation

Final Punctuation

Most occurring scripts

Most frequent character per script

Latin

Common

Most occurring blocks

Most frequent character per block

ASCII

Punctuation

Common Values

Length

Most occurring characters

Most occurring categories

Most frequent character per category

Lowercase Letter

Uppercase Letter

Other Punctuation

Space Separator

Dash Punctuation

Most occurring scripts

Most frequent character per script

Latin

Common

Most occurring blocks

Most frequent character per block

ASCII

Common Values

Length

Most occurring characters

Most occurring categories

Most frequent character per category

Lowercase Letter

Uppercase Letter

Decimal Number

Other Punctuation

Space Separator

Dash Punctuation

Most occurring scripts

Most frequent character per script

Latin

Common

Most occurring blocks

Most frequent character per block

ASCII

Common Values

Length

Most occurring characters

Most occurring categories

Most frequent character per category

Lowercase Letter